Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.

We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.

Following are some examples of how we may disclose Information:

• • We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
  • When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.
  • We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with financial institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
  • Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
  • We may also share your personal Information with other companies or individuals outside of Neptune Financial Services and its subsidiaries in the following limited circumstances for other permitted purposes, including:

• • • with different insurance companies to get you a required quote
    • we have your consent. We require opt-in consent for the sharing of any sensitive personal information.
    • among the NEPTUNE FINANCIAL SERVICES contracted companies and other subsidiaries of NEPTUNE FINANCIAL SERVICES to offer you additional products and services
    • with another insurance company if you are involved in an accident with their insured
    • with our reinsurers
    • with insurance-support organizations that detect and prevent fraud
    • with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
    • with consumer reporting agencies as permitted by law
    • with medical professionals or institutions in order to verify coverage or conduct operations or services audits
    • if ordered by a subpoena, search warrant or other court order
    • we have a Good Faith Belief that access, use, preservation, or disclosure of such information is reasonably necessary to

• • • satisfy any applicable law, regulation, legal process or enforceable governmental request,
    • enforce applicable Terms of Service, including investigation of potential violations thereof,
    • detect, prevent, or otherwise address fraud, security or technical issues, or
    • protect against imminent harm to the rights, property, or safety of Neptune Financial Services, its subsidiaries, its users, or the public as required or permitted by law.

Neptune Financial Services only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:

• • Providing our insurance services to users
  • Auditing, research, and analysis in order to maintain, protect, and improve our services
  • Ensuring the technical functioning of our network
  • Developing new services

If Neptune Financial Services becomes involved in a merger, acquisition, or any form of sale of some or all its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.